NABARD's Model Bankable Projects

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About NABARD I Role and Functions I Subsidiaries I Associates I CIRCULARS I Model Bankable Projects I Chairman's Speeches

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Model Bankable Projects

Animal Husbandry Commercial Goatery

1. Why do goat rearing?

Goat is a multi functional animal and plays a significant role in the economy andnutrition of landless, small and marginal farmers in the country. Goat rearing is anenterprise which has been practiced by a large section of population in rural areas.Goats can efficiently survive on available shrubs and trees in adverse harshenvironment in low fertility lands where no other crop can be grown. In pastoral andagricultural subsistence societies in India, goats are kept as a source of additionalincome and as an insurance against disaster. Goats are also used in ceremonialfeastings and for the payment of social dues. In addition to this, goat has religiousand ritualistic importance in many societies. The advantages of goat rearing are :

i) The initial investment needed for Goat farming is low.

ii) Due to small body size and docile nature, housing requirements andmanagemental problems with goats are less.

iii) Goats are friendly animals and enjoy being with the people.

iv) Goats are prolific breeders and achieve sexual maturity at the age of 10-12months gestation period in goats is short and at the age of 16-17 months it startsgiving milk. Twinning is very common and triplets and quadruplets are rare.

v) In drought prone areas risk of goat farming is very much less as compared toother livestock species.

vi) Unlike large animals in commercial farm conditions both male and female goatshave equal value.

vii) Goats are ideal for mixed species grazing. The animal can thrive well on widevariety of thorny bushes, weeds, crop residues, agricultural by-products unsuitablefor human consumption.

viii)Under proper management, goats can improve and maintain grazing land andreduce bush encroachment (biological control) without causing harm to theenvironment.

ix) No religious taboo against goat slaughter and meat consumption prevalent inthe country.

x) Slaughter and dressing operation and meat disposal can be carried withoutmuch environmental problems.

xi) The goat meat is more lean (low cholesterol) and relatively good for people whoprefer low energy diet especially in summer and sometimes goat meat (chevon) ispreferred over mutton because of its "chewability"

xii)Goat milk is easy to digest than cow milk because of small fat globules and isnaturally homogenised. Goat milk is said to play a role in improving appetite anddigestive efficiency. Goat milk is non allergic as compared to cow milk and it hasanti-fungal and anti bacterial properties and can be used for treating urogenitaldiseases of fungal origin.

InvestmentCreditThis is a long-term refinancefacility, it isintended forInvestment inagriculture andallied activities

TechnicalServicesDepartmentThis division isthe serviceprovider ontechnical issues

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diseases of fungal origin.

xiii) Goats are 2.5 times more economical than sheep on free range grazing undersemi arid conditions.

xiv)Goat creates employment to the rural poor besides effectively utilising unpaidfamily labour. There is ample scope for establishing cottage industries based ongoat meat and milk products and value addition to skin and fibre.

xv)Goat is termed as walking refrigerator for the storage of milk and can be milkednumber of times in a day.

2 Scope for goat rearing and its national importance

2.1 The country has 115.278 million goat as per 1992 livestock census hasincreased to 120.8 million in 1997 and ranks first in the world. The state wise goatpopulation is given in Annexure-I. Goat meat production stands at the level of 0.47million tonnes. The slaughter rate of goat is at the level of 39.7 % as compared to31.8% for sheep and 11% for buffaloes respectively. Goat also produce 2.55 milliontonnes of milk and 0.1288 million tonnes of skin as per FAO 189 records 2002report (Annexure-II).The trend in consumption of mutton and goat meat showsincrease from 467000MT in 1981 to 696000 MTin 2002indicating annual compoundgrowth rate of 1.28 % during 92-02.Sheep and goat meat production has reached700400MT during 2002in India. Ovine meat export has touched 29670 thousand $during 2000 which was then reduced to 5635thousand $ during 2001.

2.2 Goat make a valuable contribution to the livelihood of economically weakersections of the society. Amongst the livestock owners goat rearers are the poorestof the lot.

2.3 Realising the importance of goat in the agrarian economy of the country, variousdevelopmental activities have been taken up by Govt.of India. The CentralGovernment had established Central Institute for Research on Goats at Makhdoom,Farah, Mathura District,UttarPradesh. During VIII Plan Period Seven Intensive goatbreeding farms were proposed with the objectives:

i) To produce 1000 stud bucks per year for the distribution among goat rearers

ii)To improve yield of milk and chevon through selective breeding of regular breedslike Jamnapari, Beetal, Barbari, Jakhrana, Jhalawadi.

iii)Cross breeding of non Pashmina goats with Angora goats to produce Mohair inJammu and Kashmir, Himachal Pradesh and Uttar Pradesh.

iv) To conserve germ plasm of regular breeds like Jamnapari, Beetal, Barbari, BlackBengal, Malbari, Sirohi etc.

3. Financial assistance available from banks/NABARD for Goat rearing

3.1 NABARD is an apex institution for all matters relating to policy, planning andoperation in the field of agricultural credit. It serves as refinancing agency for theinstitutions providing investment and production credit for agriculture and ruraldevelopment. It promotes development through a well organised TechnicalServices Department at the head office and Technical Cells at each of the RegionalOffices.

3.2 Loan from banks with refinance facility from NABARD is available for startingGoat farming. For obtaining bank loan, the farmers should apply to the nearest

branch of a Commercial or Co-operative or Regional Rural Bank in their area in theprescribed application form which is available in the branches of financing bank.The Technical Officer attached to or the Manager of the bank can also help/giveguidance to the farmers in preparing the project report to obtain bank loan.

3.3 For goat rearing schemes with very large outlays, detailed reports will have to beprepared. The items of finance would include costs of assets like Development ofland, construction of sheds, purchase of equipments, purchase of breeding stock,rearing cost of animals till it generates income etc. The cost of land is notconsidered for loan. However, if land is purchased for setting up a goat farm its costcan be treated as party's margin as per the norms.

4. Schme formulation

4.1 A scheme can be prepared by a beneficiary after consulting local technicalpersons of State animal husbandry department, Commercial farmers etc. Ifpossible the beneficiaries should also visit progressive goat rearers andgovernment/ military/ agricultural university farms in the vicinity and discuss theprofitability of goat rearing. A good practical training and experience in goat rearingwill be highly desirable. Nearness of the Goat farm to a veterinary aid centre andbreeding centre should be ensured.

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4.2 The scheme should include information about land, livestock markets,availability of water, feed, fodders, veterinary aid, breeding facilities, marketingaspects, training facilities, experience of the farmer and the type of assistanceavailable from State Government.

4.3 The scheme should also include information on number and types of animalsto be purchased, their breeds, production performance, cost and other relevantinput and output costs with their description. Based on this, the total cost of theproject, margin money to be provided by the beneficiary, requirement of the bankloan, estimated annual expenditure, income, profit and loss statement, repaymentperiod etc, can be worked out and included in the scheme.

5. Requirements of a Good Project

A format developed for formulation of Goat rearing schemes is appended asAnnexure-III. The scheme so formulated should be submitted to the nearest branchof bank. The bank's officers can assist in preparation of the scheme or filling in theprescribed application form. The bank will then examine the scheme for itstechnical feasibility and economic viability.

A) Technical Feasibility - This would briefly include

i) Nearness of the selected area to veterinary dispensary, goat breeding centre,marketing outlets for fattened kids/meat and the financing bank's branch.

ii) Availability of good quality animals in nearby livestock markets. The distribution ofgoat breeds in India are given in Annexure-IV and Fig. 1. Production parameters ofbreeds are given in Annexure V and VI.

iii) Availability of training facilities.

iv) Availability of good grazing ground/lands.

v) Availability of Green/dry fodder, concentrate feed, medicines etc.

vi)Availability of veterinary aid/breeding centers and marketing facilities near thesame area.

B) Economic Viability - This would briefly include :

i) Unit cost of animals

ii) Input cost for feeds and fodders, veterinary aid, insurance charges, etc.

iii) Output costs i.e. sale price of live animals, manure/penning charges, etc.

iv) The average unit cost (indicative only) of goat rearing units is assumed for

calculating project cost.

v) Income-expenditure statement and annual gross surplus.

vi)Cash flow analysis.

vii)Repayment schedule (i.e. repayment of principal loan amount and interest).

Other documents such as loan application forms, security aspects, margin moneyrequirements etc. are also examined. A field visit to the scheme area is undertakenfor conducting a techno-economic feasibility study for appraisal of the same. Themodel economics of goat rearing unit of 50+2 under semi intensive system is givenin Annexure VIIa to VIIf.

6. Sanction of Bank Loan and its Disbursement

After ensuring technical feasibility and financial viability, the scheme is sanctionedby the Bank. The loan is disbursed in stages against creation of specific assets,purchase of equipments and animals. The end use of the loan is verified andconstant follow-up is done by the bank.

7.0 Lending Terms - General

7.1 Unit cost:

Each Regional Office of NABARD has constituted a State Level Unit CostCommittee under the chairmanship of RO-in-charge and with the members fromdevelopmental agencies, commercial banks and co-operative banks to review theunit cost of various investments once in six months. The same is circulated amongthe banks for their guidance.

7.2 Margin Money:

NABARD has defined farmers into three different categories and where subsidy is

NABARD has defined farmers into three different categories and where subsidy isnot available the minimum down payment as shown below is collected from thebeneficiaries.

Sr. No. Category of Farmer Beneficiary's contribution

a) Small farmer 5%

b) Medium farmers 10%

c) Large farmers 15%

7.3 Interest Rate for ultimate borrowers :

Banks are free to decide the rate of interest within the overall RBIguidelines.However, for working out the financing viability and bankability of themodel project we have assumed the rate of interest as 12% p.a.

7.4 Security:

Security will be as per NABARD/RBI guidelines issued from time to time.

7.5 Repayment Period of Loan:

Repayment period depends upon the gross surplus in the scheme. The loans willbe repaid in suitable half yearly/annual instalments usually within a period of about5-6 years with a grace period of one year.

7.6 Insurance:

The animals may be insured annually or on long term master policy, where ever it isapplicable. The present rate of insurance premium for non IRDP schemes is 4%per annum.

8.Package of Common Management Practices Recommended for Goat rearing

Modern and well established scientific principles, practices and skills should beused to obtain maximum economic benefits from goat rearing. Some of therecommended practices are given here under :

I. Housing management:

1) Construct shed on dry and properly raised ground.

2) Avoid water-logging, marshy areas.

3) In low lying and heavy rainfall areas the floors should be preferably elevated.

4) In temperate Himalayan region the floor may be made of wood.

5) The shed should be 10 ft. high and should have good ventilation.

6) Bucks should be housed in individual pens.

7) Does can be housed in groups upto 60 per pen.

8) Provide proper shade and cool drinking water in summer.

9) Dispose of dung and urine properly.

10) Give adequate space for the animals. The housing space required for

11) goats of various age groups is given in Annexure VIII.

12) Avoid over stocking or crowding

II. Selection of breeding stock and it's management:

1. Immediately after release of the loan purchase the stock from a reliable breedersor from nearest livestock market.

2. Animals in good health and having good physical features must be purchased inconsultation with Veterinarian/ Bank's technical officer.

3.Purchase animals which are ready to breed and in prime stage of production.

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4.Identify the newly purchased animals by suitable identification mark.

5. Vaccinate the newly purchased animals against the diseases

6.Keep the newly purchased animals under observation for about 15 days and thenmix with the general flock.

7.Unproductive animals should be culled promptly and should be replaced by thenewly purchased animals or farm born one

8. Animals are to be bred at the interval of 8-9 months for maximum productivity.

9. Cull the old animals at the age of 6 years and above.

10. Avoid the kidding during peak periods of summer and winter.

III. Feeding management:

1.Ensure Bushes/shrubs for browising of animals

2.As an alternative to above, supply of cultivated fodder from own farm or fromsurrounding farms may be ensured.

3.Offer roughages adlib.

4.As a thumb rule 2/3rds of the energy requirements should be met throughroughages. Half of the roughages should be leguminous green fodders and resthalf should be grasses/tender tree leaves.

5. In the absence of good quality green fodders, concentrates must be consideredto replace them.

6. Kids should be fed colostrum upto 5 days of age. Later on they can be put on Kidstarter rations.

7.Green leguminous fodders should be offered adlib. to kids from 15 daysonwards.

8.Provide salt and water to kids at all times

9. Additional concentrates should be given to bucks and does during breedingseason.

10.Care should be taken to meet the nutrient requirements as recommended(Annexure-IX).

IV. Protection against diseases:

1.Be on the alert for signs of illness such as reduced feed intake, fever, abnormaldischarge or unusual behaviour.

2.Consult the nearest veterinary aid centre for help if illness is suspected.

3. Protect the animals against common diseases.

4. In case of outbreak of contagious diseases, immediately segregate thesickanimals from healthy one and take necessary disease control measures.

5.Deworm the animals regularly.

6.Examine the faeces of adult animals to detect eggs of internal parasites and treatthe animals with suitable drugs.

7.Provide clean and uncontaminated feed and water for minimising the healthdisorders.

8. Strictly follow the recommended vaccine schedule as given in Fig. 2.

V. Breeding care:

1. It should be planned to obtain 3 kiddings in 2 years period by adopting optimalmanagement conditions.

2. For every 25 does one buck should be provided in one breeding season.

3. Breed the animals 12 hours after the onset of the first symptoms of heat formaximum conception.

4. Unbreedable animals must be examined thoroughly as directed by veterinarydoctor for prompt elimination of causes for anoestrum or cull them if necessary.

VI. Care during pregnancy:

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VI. Care during pregnancy:

In advanced stage of pregnancy the does must be transferred to either kidding pensor separately earmarked space for kidding with in the main shed after thoroughlydisinfecting it. After kidding, the does should be provided with warm bran mash fortwo days.

VII. Care of kids:

1. Take care of new born kids by providing guard rails.

2. Treat / disinfect the naval cord with tincture of iodine as soon as it is cut with asharp knife.

3. Protect the kids from extreme weather conditions, particularly during the first twomonths.

4. Dehorn the kids during first two weeks of age

5. Male kids should be castrated for better quality meat production.

6. Vaccinate the kids as per the recommended schedule

7. Wean the kids at the age of 8 weeks

8. Proper selection of kids on the basis of initial body weight and weaning weightshould be initiated by maintaining appropriate records for replacing the culled adultstock as breeders.

9. Additional feed requirements of lactating does must be ensured for propernursing of all the piglets born.

VIII.Marketing:

The marketable products of goat farming includes the fattened kids, manure, culledanimals. Marketing avenues for the above products are slaughter houses andindividual meat consuming customers and agriculture farms. Therefore availabilityof either slaughtering facilities or traders who will purchase live animals should beensured to convert the fatteners into wholesome meat and meat products. Further,demand for manure from nearby agriculture farms must also be ensured.

Annexure I

STATEWISE GOAT POPULATION IN INDIA (1997)

(inthousands)

Sl No. States/U.T.s Total

1 Andhra Pradesh 5213

2 Arunachal Pradesh 154

3 Assam 2717

4 Bihar 20229

5 Chattisgarh 2154

6Goa 13

7Gujarat 4386

8Haryana 968

9Himachal Pradesh 1168

10Jammu & Kashmir 1864

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Jammu & Kashmir 1864

11

Karnataka 4875

12Kerala 1598

13Madhya Pradesh 6470

14Maharashtra 11434

15Manipur 33

16Meghalaya 280

17Mizoram 15

18Nagaland 161

19Orissa 5772

20Punjab 414

21Rajasthan 16971

22Sikkim 86

23Tamil Nadu 6416

24Tripura 639

25Uttar Pradesh 11784

26 Uttaranchal1070

27West Bengal 15648

Union Territories

28Andaman & Nicobar Islands 71

29Chandigarh 1

30Dadra & N Haveli 20

31Daman & Diu 5

32

Delhi 25

33Lakshadweep 26

34Pondicherry 41

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All INDIA 122721

Annexure II

GOAT MILK, MEAT, SKIN AND MANURE PRODUCTION IN INDIA

Year Milk Production

(Million MT)

Meat Production(Million MT)

Skin Production (MillionMT)

1998 2.5 0.462 0.126

1999 2.3 0.466 0.127

2000 2.4 0.467 0.128

2001 2.5 0.469 0.1288

2002 2.55 0.470 0.1288

Source : FAO Production year book (2002)

Annexure III

Format for submission of schemes Scheme : Commercial Goat farming

1. GENERAL

i) Name of the sponsoring bank

ii) Address of the controlling scheme

iii) Nature and objectives of the proposed scheme

iv) Details of proposed investments

Sr.No. Investment No. of units

a)

b)

c)

v) Specification of the scheme area(Name of District & Block/s)

Sr.No. District Block

vi) Names of the financing bank's branches

Sr.No. Name of the branch District

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a)

b)

c)

vii) Status of beneficiary/ies: Partnership/ Company/Corporation/Co-operativeSociety/Others

viii) In case of area based schemes, coverage of borrowers in weaker sections(landless labourers, small, medium & large farmers as perNABARD's norms, SC/ST, etc.)

ix) Details of borrowers profile (Not applicable to area based schemes)

(a) Capability

(b) Experience

(c) Financial soundness

(d) Technical/Other special Qualifications

(e) Technical/Managerial Staff and adequacy thereof

2. TECHNICAL ASPECTS

a) Animals

v) Proposed Breed

vi) Age of the animal

vii) Arrangements for vaccination, identification and health certificate

viii) Insurance

ix) Cost of buck/does

b) Production parameters

i) Age at first Kidding

ii) Kidding interval

iii) Kidding percentage

iv) Number of kids produced

v) Mortality of adults/ young ones

vi) Age at which kids are sold

vii) Body weight of animals

c) Flock projection-For big units only (with all assumptions)

d) Housing

i) Type of housing

ii) Floor space - adults/ kids

iii) Cost of construction

iv) Other civil structures (for commercial units)

e) Equipment needed

i) Water troughs

ii) Feeding troughs

iii) Other equipments like chaff cutter etc

f)Comments on technical feasibility

g)Government restrictions, if any

3. FINANCIAL ASPECTS

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3. FINANCIAL ASPECTS

i) Unit cost

Sr.No. Name of investment Size of unit Unit cost withcomponent wise

breakup (Rs.)

Whetherapproved by state

level unit costcommittee

a)

b)

c)

Total

ii) Down payment/margin/ subsidy (Indicate source & extent of subsidy)

iii) Year - wise physical & financial programme.

YearInvestment

No. ofunits

Unitcost(Rs.) Total

outlay(Rs.)

Margin(Rs.)

Bank

loan

(Rs.)

Refinanceassistance

(Rs.)

Total

iv) Financial viability ( comment on the cash flow projection on a farm model / unitand enclose the same )

Particulars Item of investment

X Y Z

a) Internal Rate of Return (IRR)

b) Benefit Cost Ratio (BCR)

c) Net Present Worth (NPW)

v) Financial position of the borrowers (to be furnished in case of corporatebodies/partnership firms)

a) Profitability ratio

i) GP ratio

ii) NP ratio

b) Debt equity ratio

c) Whether Income tax & other tax obligations are paid upto date

d) Whether audit is upto date (enclose copies of auditedfinancial statements for the last three years)

vi) Lending Terms

i) Rate of interest

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ii) Grace period

iii) Repayment period

iv) Nature of Security

v) Availability of Government guarantee wherever necessary

4. INFRASTRUCTURAL FACILITIES

a) Availability of animals

i) Source

ii) Place of purchase

iii) Distance

iv) Type of arrangements for purchase

v) Availability in required numbers

b) Grazing/fodder land

i) Adequacy

ii) Distance and duration of grazing

iii) Condition of grazing lands

iv) Cost to be paid per animal

v) Green fodder:

Type of fodder grown

Area under fodder crops

Cost of fodder cultivation

(If it is own fodder cultivation)

b) Feeding

i) Type of feeds

ii) Source

iii) Cost/animal/year

c) Breeding / Veterinary services

i) Source

ii) Place

iii) Distance

iv) Type of services available

v) Availability of staff

vi) Cost/animal/year

d) Marketing

i)Source for fattenedkids/culled animals

ii) Place

iii) Distance

iv) Price realised (Rs. per animal or Kg)

- Culls

- Fattened kids

e) Other aspects

i) Source of technicalguidance

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ii) Training facilities

- Source

- Periodicity

- Duration

iii) Other Government support

f) Supervision and Monitoring arrangements available with bank

Annexure IV

Goat breeds of India and their description

Region/breed Utility Bodysize

Adult Weight Confirmation

1 2 3 4 5

1. Temperate

Gaddi Fibre Medium M 27.45+ - 0.41

F 24.72+ - 0.51

Coat colour is whilebut black andbrown combinationis also seen. Earsmedium anddrooping, noseconvex, undersmall and andround long whitehairs

Changthangi Fibre Small M 20.37+- 0.24F19.75+- 0.15

Predominantlywhite but grey,brown or black alsofound. Large horns.Producingpashmina as undercoat

Chegu Fibre Small M 21.39+_1.12

F 20.45 +_0.45

Coat is usuallywhite mixed withgreyish red produ-cing pashmina asunder coat

Shingari Meat Small M 25.23 + - 0.56

F 20.35 + - 0.41

Coat colour varyfrom while to greywith black or tanpatches

2. North- Western Region

Jamunapari Milk Large M 44.66 + - 1.89

F 38.03 + - 0.63

Predominantlywhite with brownpatches on neckand face, long andpendulous ears,roman nose, tuff ofhairs on buttocks,large anddeveloped udder

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Beetal Milk Large M 59.07 +_ 2.82

F 34.97 +_ 0.52

Coat colour is blackor brown with whitepatches. Faceconvex, long and

flat ears, udderlarge and well set

3.Southern Region

Osmanabadi Milk & Meat Medium M 33.66 + - 0.55

F 32.36 + - 0.55

Coat colourvariable-black,white or spotted,medium long ears,udder is small,round with shortteats

Malabari Milk & Meat Medium M 38.96 + - 2.32

F 31.12 + - 0.90

Coat colour varyfrom completewhite to completeblack, small twistedhorns, mediumsized ears, uddersmall and round

Sangamneri Meat Medium M 38.37 + - 2.44

F 28.97 + - 0.49

Body colour white,black or brown withspots. Ears aremedium anddrooping, uddersmall

4. Eastern Region

Bengal Meat Small M 32.37 + - 2.74

F 18.31 + - 1.67

Colour is black,brown or grey, shorthorns both sexeshave beard, profile,udder very small

Ganjam Meat Medium M 44.05+ - 0.13

F 31.87+ - 0.37

Tall, laggy, coat isblack, white orbrown or spotted,medium sizedears, straight longhorns, udder poorlydeveloped

Assam Hill Meat Small M 25.45+ - 2.12

F 18.31+ - 1.67

Small body withshort leg, coatcolour vary fromblack to brown andspotted ears smalland flat

Jakharana Milk Large M 57.80 + - 3.50

F 44.48 + - 0.52

Coat ispredominantlyblack with whitespots on ears,narrow forehead,

udder is large withconical teats.

5. Western Region

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Sirohi Milk & Meat Large M 50.37+ - 2.52

F 22.54+ - 0.17

Compact body, coatcolourpredominantlybrown with light ordark patches, flatears, uddermedium sized andround

Barbari Milk & Meat Medium M 30.8+ - 1.96

F 22.56+ - 0.17

Body compact, coatcolour is white withbrown patches,short erect ears,shining eyes, udderwell set with smallteats

Kutchi Milk and Meat Medium M 43.50+- 1.16

F 39.29+ - 0.38

Coat ispredominantlyblack, few withbrown or whitespots, long hairs,long and droopingears, udder welldeveloped.

Marwari Milk and Meat Medium M 33.18+ - 1.77

F 25.85+ - 0.29

Predominantlyblack coat with longhairs, few animalswith white or brownpatches, udder isround and small

Mehasana Milk and Meat Medium M 37.14+ - 1.51

F 32.29+ - 0.38

The coat is blackwith white spots atthe hase of theears. Leaf like &droop-ing ears,twisted horns,developed udder.

Zalawadi Milk and Meat Medium M 38.84+ - 1.46

F 32.99+ - 0.32

Coat is black withlong hairs, longand drooping ears,long twisted horns,large udder withconical teats.

Surti Milk Medium M 29.50+ - 0.50

F

White in colour,medium sizedears, small horns,very well developed

udder

Source : CIRG, Makhdoom

M - MaleF-Female

Source : CIRG, Makhdoom

Annexure - VI

MILK PRODUCTION PARAMETERS (TRAITS) OF

IMPORTANT GOAT BREEDS

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Sr.No. Breed Location yield (Kg) Loctation length(days)

1 Jamunapari 201.67+_6.39 194

2 Beetal 173.90+_1.27 182

3 Jakharana 121.80+_8.82 115

4 Sirohi 113.62+_2.43 194

5 Marwari 101.49+_2.43 197

6 Kutchi 124.06+_2.84 195

7 Barbari 95.60+_2.78 152

8 Sangamneri 83.40+_3.43 168

9 Malabari 90.02+_4.10 178

10 Bengal 35.20+_1.56 111

Source :CIRG, Makhdoom

Annexure - VIIa

Economics of Goat Farming - At a glance

1 Unit Size 50 Does + 2 bucks

2 Breed Osmanbadi

3 State Karnataka

4 Unit Cost (Rs.) 148764

5 Bank Loan (Rs.) 126449

6 Margin Money (Rs.) 22315

7 Repayment period (Years) 6 years with one year grace period

8 Interest rate (%) 12

9 BCR AT 15% DF 1.60:1

10 NPW at 15% DF (Rs.) 142653

11 IRR (%) < 45%

Annexure - VIIb

NABARD's Model Bankable Projects

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Annexure - VIIb

ECONOMICS OF GOAT FARMING - INVESTMENT COST

Sr. ItemsSpecifications

PhysicalUnitsNo.

Unit Cost(Rs./Unit)

Total(Rs.)

1 Shed Does-10s.ft/animal

Buck-20 s.ft./buck

Kids-4s.ft/kid

(Thatch roof)

50

2

68

35 28,420

2 Equipment -- 52 10 520

3 Cost of Animals Does

Buck

50

2

1600

2200

80000

4400

4 Insurance Does

Buck

50

2

44

3200

176

5 Veterinary aid 52 20 1,040

6 Fodder cultivation Per season for twoacres & for 3 seasons

2 9,000

7 Supplementary Does-6.75 kg/month for3 months

Buck -7.5 kg/month for 3months

Kids -3.75 kg/month forone month

50

2

64

5

1

1

5063

225

1200

8 Labour wages 1 1250 15000

9 Water, electricityand other misc.expenses

52 10 520

10 Total Cost 148764

11 Margin Money@15% of total cost

22315

12 Bank loan @85% oftotal cost

Say 126449

Annexure - VIIc

ECONOMICS OF GOAT FARMING - TECHNO-ECONOMIC PARAMETERS

No. of Bucks 2

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No. of Bucks 2

No. of Does 50

A. Production Traits

i Age at Maturity (Months) 10-12

ii Kidding interval (Months) 8

iii Kidding percentage 85

iv Twinning percentage 60

v No. of kiddings per year 1.5

vi Sex ratio 1:1

vii Mortality(%) Adults

Kids

5

15

viii Saleable age of kids (months) 8-9

ix Culling of does (% per year) from second year

onwards20

B. Expenditure norms

i Space requirement (st.per head)

Buck

Doe

Kids

20

10

4

ii Cost of construction (Rs.per sft) 35

iii Cost of equipment (Rs.per adult animal) 10

iv a) Cost of green fodder cultivation (Rs./acre/season)

b) No. of acres

1,500

2

v Concentrate feed :

Adult does (one month before breeding and onemonth after kidding i.e. per kidding)

Bucks (two months per breeding season)

Kids (for 30 days)

6.75 kg per month

7.5 kg per month

3.75 kg per kid

vi Cost of conc. Feed (Rs./kg) 5

vii Labour (No.) 1

vii Labour (No.)

Labour wages (Rs.per month)

1

1250

viii Insurance (as percentage of the cost of breeding

stock)4

ix Veterinary aid (Rs./adult/year) 20

x Water, electricity and other misc. expenses

(Rs./adult)10

C. Income norms :

i Sale price of Bucklings (Rs./kid) 1000

ii Sale price of Doelings (Rs./kid) 900

iii Sale of culled does (Rs./doe) 1200

iv Sale price of culled Buck (Rs./buck) 1500

v Sale value of male/female kids (Rs./kid) 600

vi Income from manure is not assumed as it

is used on the own farm

vii Sale of Gunnyu bags (Rs./bag)

(13.3 bags / tonne)

10

D. Repayment norms:

i Repayment period (years) 6

ii Grace Period (years) 1

iii Interest rate(%) 12

ECONOMICS OF GOAT FARMING - CASH FLOW STATEMENT

Sr.No.

ParticularsYears

I II III IV V VI

I Costs

1 Capital cost * 111340

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2 Recurring cost

a) Grren foddercultivation cost

9,000 9,000 9,000 9,000 9,000 9,000

b) Feed cost

Bucks 225 225 225 225 225 225

Does 5063 5063 5063 5063 5063 5063

Kids 1200 2400 1200 2400 1200 2400

c) Medicines/Vet.charges

1,040 1,040 1,040 1,040 1,040 1,040

d) Insurance 3376 3376 3376 3376 3376 3376

e) Misc.(water/electricitycharges)

520 520 520 520 520 520

f) Labour wages 15000 15000 15000 15000 15000 15000

Total recurringexpenses

35424 36624 35424 36624 35424 36624

Total costs 146764 36624 35424 36624 35424 35546

II Benefits

a) Sale of animals

Sale of adult Buck 0 0 3000 0 3000 0

Sale of adult Doe 0 12000 12000 12000 12000 12000

Sale of bucklings** 0 25500 25000 56000 29000 56000

Sale of doelings** 0 39900 17000 45000 17000 45000

b) Sale of gunny bags 174 208 174 208 174 208

Total income 174 107108 61174 113208 58174 113208

c) Value of ClosingStock

104100

d) Scrap value of shedand equip.

11576

Total benefits 174 77608 57174 82208 61174 228884

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NET BNEFITS -146590 42062 21750 46662 25750 193338

NPV cost at 15% 231093

NPV benefits at15%

272797

V NPW at 15% 41703

V BCR at 15% DF 1.18:1

VII IRR 25%

* Excludes the capitalised cost for fodder cultivation for one season, supplementaryfeed, insurance, veterinary aid, labour wages and Misc. expenses. .

** Bucklings and doelings cost is assumed as Rs. 1000/ Rs. 950 respectively

Annexure - VIIf

ECONOMICS OF GOAT FARMING - REPAYMENT SCHEDULE

Bank loan : Rs.126449

Interest Rate (%) : 12%

Years Income Expenses —

Grosssurplus

Loanbalance

Interest Repayment Netsurplus

Interest Principal

I 174 0 174 126449 15174 0 0 174

II 107108 36624 70484 141622 16995 16994 30622 22868

III 61174 35424 25750 111000 13320 13320 1000 11430

IV 113208 36624 76584 110000 13200 13200 40000 23384

V 78174 35424 42750 70000 8400 8400 20000 14350

VI 354286 36624 317664 50000 6000 6000 50000 261664

Expenses during first year are other than capitalised amount

Annexure - VIII

SPACE REQUIREMENT OF GOATS

Sl. No. Type of goats Spacerequirement

Sq.mt.perhead

MaximumNo. of

animals perpen

1 Adultdoe

1.00 60

2 Milchdoe

1.68 Individualpens

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doe pens

3 Buck 3.4 Individualpens

4 Kids 0.4 75

Annexure - VIII

Nutrient requirements of goats in percentage orAMOUNT PER KG OF DRY FEED

Sr.No.

Type of animals Body wt.(kg)

DCP(%)

TDN(%)

ME(%)

Ca (%) P(%)

1 Growing - finishing kids

a) small breeds 5 12.8 70 2.52 0.23 0.21

10 10 65 2.34 0.23 0.21

15 7 65 2.34 0.21 0.2

20 6 60 2.16 0.2 0.19

25 5.5 60 2.16 0.2 0.19

b) Large breeds 10 12 70 2.52 0.23 0.21

15 10 65 2.34 0.21 0.2

20 7 65 2.34 0.2 0.19

25 6 60 2.16 0.2 0.19

30 5.5 60 2.16 0.19 0.18

35 5 55 1.98 0.19 0.18

2 Non lactating pregnant does

a) first 15 weeks ofgestation

25 4.5 50 1.8 0.3 0.23

30 4 50 1.8 0.27 0.21

40 4 50 1.8 0.27 0.21

50 4 50 1.8 0.24 0.19

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60 4 50 1.8 0.22 0.17

a) last 6 weeks ofgestation

25 5 55 1.98 0.27 0.21

30 5 55 1.98 0.24 0.2

40 5 55 1.98 0.23 0.17

50 4.5 53 1.91 0.22 0.16

3 Lactating does

a) First half oflactation

25 6 65 2.34 0.3 0.22

30 6 62 2.23 0.29 0.21

40 5 60 2.16 0.28 0.2

50 5 60 2.16 0.27 0.2

60 4.5 60 2.16 0.27 0.2

a) Second half oflactation

25 5.5 60 2.16 0.3 0.22

30 5.5 60 2.16 0.28 0.2

40 5 55 1.98 0.27 0.19

50 4.5 55 1.98 0.25 0.18

60 4.5 55 1.98 0.24 0.17

4 Bucks - breeding,adult and yearlings

25 6.5 65 2.34 0.21 0.19

30 6 65 2.34 0.2 0.18

40 5 64 2.3 0.2 0.18

50 5 60 2.16 0.18 0.16

60 4.5 55 1.98 0.17 0.15

70 4 50 1.8 0.16 0.13

80 4 50 1.8 0.15 0.14

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